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Natural hazards · Stuart

Stuart, IA natural hazards

Most of the natural-hazard damage FEMA expects in Stuart comes from cold waves, and overall the risk is moderate for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations
Expected damage

How exposed is Stuart?

56
Moderate
vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Stuart to be higher than in 56% of U.S. communities, mostly from cold waves and drought.

Cold waves33%Drought23%Inland flooding17%Tornadoes11%Hail6%Strong wind6%Everything else4%
By hazard

What Stuart faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Cold waves

33% of expected damage
Well above average · higher than 83% of U.S. places
Recorded about 5 times a year in the area

Drought

23% of expected damage
Recorded about 11 times a year in the area

Inland flooding

17% of expected damage
Below average · higher than 47% of U.S. places
Recorded about once a year in the area

Tornadoes

11% of expected damage
Well above average · among the top 1% of U.S. places
Recorded about once every 4 years in the area

Hail

6% of expected damage
Well above average · higher than 95% of U.S. places
Recorded about 6 times a year in the area

Strong wind

6% of expected damage
Well above average · higher than 96% of U.S. places
Recorded about 5 times a year in the area

Lower here

HurricanesIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity
Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.
Flood insurance claims

Does Stuart flood?

FEMA's records show no paid flood insurance claims in Stuart.

What’s been done with FEMA grants

2storm safe rooms built
Disasters that hit Stuart

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Stuart itself: aid to households, or repair grants to the City of Stuart.

Brought FEMA money into StuartDeclared for Adair County only
2024

Severe Storms, Tornadoes, and Flooding

9 households applied for aid $9K aid approved
2008

Severe Storms, Tornadoes, and Flooding

42 households applied for aid $70K aid approved
2007

Snow

$4K to the City of Stuart for repairs
2004

Severe Storms, Tornadoes, and Flooding

3 households applied for aid $11K aid approved
Adair County has had 15 natural disasters declared since 1953, most often severe storms and floods.
About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.
Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Stuart is smaller than a census tract, so it shares the figures of the tract around its center.
Money that reached townFlood claims are matched to Stuart’s own flood-insurance community; household aid to the registrant’s city; repair grants to the City of Stuart. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.

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Boundary source: https://tigerweb.geo.census.gov/arcgis/rest/services/TIGERweb/Places_CouSub_ConCity_SubMCD/MapServer/18 · 2025-01-01
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